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Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $32,516 | $71,230-54.4% | $93,727-65.3% | $80,959-59.8% |
| Participation rate | 93.1% | 60.4%+32.7pp | 68.7%+24.4pp | 67.7%+25.4pp |
| Annual return | 9.10% | 11.26%-2.2pp | 133.83%-124.7pp | 35.67%-26.6pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,421-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,638 | $4,037+14.9% | $4,417+5.0% | $4,300+7.8% |
| Admin fee / account holder | $1,468 | $6,961-78.9% | $8,292-82.3% | $6,925-78.8% |